What is the difference between an authorised EMI, a small EMI and a PI?

An authorised EMI can issue e-money without a volume cap and, in the EEA, can passport its services into other member states. A small EMI operates below a regulatory threshold for average outstanding e-money, carries lighter requirements and cannot passport. A payment institution (PI) is authorised to provide payment services but cannot issue e-money.

How are the listings in this directory verified?

Every entry is cross-checked against the issuing regulator's own public record — the FCA Financial Services Register in the UK and the EBA EUCLID register across the EEA. Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.

Is money held with an EMI protected like a bank deposit?

No. E-money is not covered by a deposit-guarantee scheme such as the UK's Financial Services Compensation Scheme. Instead, EMIs must safeguard customer funds by holding them separately from the firm's own money, so that balances can be returned to customers if the firm fails.

How current is the data?

Listings are re-checked against the competent-authority registers on a weekly cadence, and each record shows when it was last verified.

EMI register: licensed e-money institutions

985 institutions

Every authorised e-money institution across the UK and the EEA, each cross-checked against the FCA Financial Services Register and the EBA EUCLID register. Filter by licence type, live status or EEA passporting, or search by firm name and reference number.

Licence:

All EMI Small EMI Exempted EMI PI

Status:

All Active Defunct Withdrawn Inactive

Passporting:

All With EEA passport

VerifiedFCA 900819

Transactive Systems Ltd

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000443

Transactive Systems, UAB

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA C 91879

Transact Payments Malta Limited

EMI · Malta

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.2

Active

VerifiedFCA 900965

Transact Pro

EMI · United Kingdom

Licence reference 900965 is recorded as defunct.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900405

Transactworld Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 991295

Transfergo Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 942346

Transferra Un Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 963951

TRANSWAP TECHNOLOGIES (UK) LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 05560772

Travel a la carte a.s.

EMI · Czech Republic

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900537

Travelex Europe Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900814

Treezor

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 807465059

Treezor SAS

EMI · France

Verified active.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA 27984169

Trendsales ApS

Small EMI · Denmark

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 901096

TrueLayer Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA C 96757

Trumia Ltd

EMI · Malta

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA LB000438

TRUSTCOM FINANCIAL UAB

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 1024492

TRUSTIE TECHNOLOGY LIMITED

EMI · United Kingdom

Verified active as at the most recent cross-check.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating1.0

Active

VerifiedFCA 901080

Tyncofex Ltd

EMI · United Kingdom

Licence reference 901080, cross-checked against the FCA Financial Services Register: Tyncofex Ltd held authorisation as a UK electronic money institution.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Defunct

VerifiedFCA LB000255

UAB ,,ANTIGRAVITY PAYMENT SYSTEMS"

Small EMI · Lithuania

Verified active against the Bank of Lithuania register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002020

UAB B4B Payments Europe

EMI · Lithuania

Verified active as at the last cross-check against the Bank of Lithuania register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901041

UAB Best Finance

Small EMI · United Kingdom

Licence withdrawn.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Authorisation withdrawn

VerifiedFCA LB000254

UAB "Bitė Lietuva"

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002168

BLUE EMI LT

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA LB002079

UAB "BW SYSTEM OU"

EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB000440

UAB "ConnectPay"

EMI · Lithuania

Verified active against the Bank of Lithuania register.

Cross-border reachPan-European
Service scopeFull-service
Reader rating3.8

Active

VerifiedFCA 900949

UAB ConnectPay

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 900953

UAB deVere E-money

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB002122

DRUSVALAS

EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB001941

UAB "DV Payment"

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA LB000417

UAB "Elektroninių mokėjimų agentūra"

EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000422

UAB „Elektroninių pinigų bitė“

Small EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002088

UAB „Elektroninių pinigų bitė“

EMI · Lithuania

Verified active against the Bank of Lithuania register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB001911

UAB "epayblock"

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA LB001896

UAB "Finansinės paslaugos "Contis"

EMI · Lithuania

Verified active.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA 901110

UAB “Finansinės paslaugos “Contis”

EMI · United Kingdom

Licence reference 901110 is recorded as defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA LB000490

UAB "Finolita Unio"

EMI · Lithuania

Verified active as of the last cross-check.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.3

Active

About this directory

An e-money institution (EMI) is a firm authorised to issue electronic money and to provide payment services such as payment accounts, cards and transfers. In the UK these firms are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; across the EEA they are authorised by a national competent authority under the E-Money Directive and listed in the European Banking Authority’s central register.

This directory brings those separate registers into one place. Each entry records the firm’s licence type — authorised EMI, small EMI or payment institution — its home regulator, reference number and current authorisation status, and is re-checked against the source register on a weekly cadence. Listings whose licence has been withdrawn, lapsed or suspended are flagged or filtered out rather than left to go stale.

Frequently asked questions

What is an e-money institution (EMI)?: An e-money institution is a firm authorised to issue electronic money — a digital store of prepaid funds — and to provide related payment services such as payment accounts, cards and transfers. In the UK, EMIs are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; across the EEA they are authorised by their national competent authority under the E-Money Directive and recorded in the European Banking Authority's central register.
What is the difference between an authorised EMI, a small EMI and a PI?: An authorised EMI can issue e-money without a volume cap and, in the EEA, can passport its services into other member states. A small EMI operates below a regulatory threshold for average outstanding e-money, carries lighter requirements and cannot passport. A payment institution (PI) is authorised to provide payment services but cannot issue e-money.
How are the listings in this directory verified?: Every entry is cross-checked against the issuing regulator's own public record — the FCA Financial Services Register in the UK and the EBA EUCLID register across the EEA. Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.
Is money held with an EMI protected like a bank deposit?: No. E-money is not covered by a deposit-guarantee scheme such as the UK's Financial Services Compensation Scheme. Instead, EMIs must safeguard customer funds by holding them separately from the firm's own money, so that balances can be returned to customers if the firm fails.
How current is the data?: Listings are re-checked against the competent-authority registers on a weekly cadence, and each record shows when it was last verified.